ACCOUNTS FOR INDIVIDUALS AND BUSINESSES FOR THE INDIVIDUAL:Our Individual ADVANTAGE account is designed for theindividualretirementeducationguardiancustodian/minor (UGMA)joint tenancy with rights of survivorship (JTWROS)tenants in commontenants by the entiretytransfer on death (TOD)community propertyFOR THE BUSINESS OWNER and OTHER"NON-INDIVIDUAL" PURPOSES:The Business or "Non-Individual" ADVANTAGE account is for theLLCcorporationnon-corporate/not for profittrustinvestment clubpartnershipestateliquidation/distributionpension andprofit-sharing plansBoth the Individual ADVANTAGE account and the Business ADVANTAGE account are CENTRAL ASSETS ACCOUNTS for your day to day investment needs and most other financial services. Summary and Protection First Clearing LLC, who carries Summit Brokerage accounts, is a New York Stock Exchange Member firm and non-bank affiliate of Wells Fargo & Co.Client's assets are protected up to $500,000 (of which $250,000 may be cash) by the Securities Investor Protection Corporation (SIPC); and through FCLLC we are able to provide additional commercial coverage of the remaining net equity balance in your accounts at no charge.**Of course, this does not protect against losses from change in market value on investments.We have a wide range of types and styles of accounts in which one can use the SELECTION PROCESS to input his or her investment strategies.Your Advantage Account makes it easy to manage all your assets more effectively through a single account. The Advantage Account fact kit includes the money market bank sweep (FDIC insured) and a prospectus, which contains complete information, including account/management fees and expenses. Read it carefully before you invest.